J & J Employees

Romeoville, IL · Charter 62735

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Romeoville, IL · Charter 62735

Q4 1997

$4.2MAssets

$3.4MLoans

$4.0MShares

n/aNet Worth

Return on Assets (YTD, annualized)

2.73%-125 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.19%	1.88%	3.72%	3.98%	3.93%	3.86%	3.08%	2.73%	-125 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	12.70%	0.96%	-7.94%	-15.47%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	1.05%	-15.81%	-15.12%	-20.36%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	11.45%	1.43%	-9.52%	-15.15%	n/a
Asset Quality
Delinquent Loans / Loans	1.84%	1.17%	0.99%	2.61%	2.34%	3.95%	3.42%	1.49%	-112 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.17%	1.95%	1.82%	1.92%	2.09%	2.27%	2.32%	0.24%	-168 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	97.31%	103.93%	95.66%	90.92%	88.24%	86.26%	89.74%	85.34%	-558 bps
Liquid Assets / Assets	5.36%	2.25%	6.14%	12.32%	14.84%	17.35%	15.27%	18.50%	+617 bps